Limited Time Opportunity!
Make This Holiday Season Extra Bright—Own a New Home With Special Savings
For a limited time, FCB Homes is offering a permanent rate buydown on select move-in-ready homes in Lodi. Purchase your home by December 31, 2025, with closing on or before January 31, 2026, and enjoy the gift of lasting savings.
1-0 Temporary Buydown
- Year 1 Rate: 4.49%
- Permanent Rate (Years 2–30): 5.49% (APR varies slightly by home price: ~5.63%)
- 10% Down Payment Required
Move-In Ready Homes
Lot 265 - $669,950
1-0 Buydown (10% Down) - Conventional 30 Year*
1st Year Rate: 4.49% | Permanent Rate (Years 2–30): 5.49% (5.635% APR) | 10% Down
4.49% IS A PROMOTIONAL RATE FOR THE FIRST YEAR ONLY AS PART OF A 1-0 TEMPORARY INTEREST RATE BUYDOWN. THE PERMANENT RATE FOR YEARS 2–30 IS 5.49% AND IS BASED ON A 780 CREDIT SCORE AND A 10% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $602,955, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 5.49% IS $3,419.73. THE ANNUAL PERCENTAGE RATE (APR) IS 5.635% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES MORTGAGE INSURANCE OF $75.37, TAXES OF $664.21, AND HOMEOWNERS INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $4,259.31.
Total Estimated Monthly Payments:
• Year 1: $3,980.00 (at 4.49%)
• Years 2–30: $4,259.31 (at 5.49%)
Lot 232 - $705,950
1-0 Buydown (10% Down) - Conventional 30 Year*
1st Year Rate: 4.49% | Permanent Rate (Years 2–30): 5.49% (5.633% APR) | 10% Down
4.49% IS A PROMOTIONAL RATE FOR THE FIRST YEAR ONLY AS PART OF A 1-0 TEMPORARY INTEREST RATE BUYDOWN. THE PERMANENT RATE FOR YEARS 2–30 IS 5.49% AND IS BASED ON A 780 CREDIT SCORE AND A 10% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $635,355, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 5.49% IS $3,603.49. THE ANNUAL PERCENTAGE RATE (APR) IS 5.633% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES MORTGAGE INSURANCE OF $79.42, TAXES OF $699.06, AND HOMEOWNERS INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $4,481.97.
Total Estimated Monthly Payments:
• Year 1: $4,200.00 (at 4.49%)
• Years 2–30: $4,481.97 (at 5.49%)
Lot 231 - $739,950
1-0 Buydown (10% Down) - Conventional 30 Year*
1st Year Rate: 4.49% | Permanent Rate (Years 2–30): 5.49% (5.631% APR) | 10% Down
4.49% IS A PROMOTIONAL RATE FOR THE FIRST YEAR ONLY AS PART OF A 1-0 TEMPORARY INTEREST RATE BUYDOWN. THE PERMANENT RATE FOR YEARS 2–30 IS 5.49% AND IS BASED ON A 780 CREDIT SCORE AND A 10% DOWN PAYMENT. THE PRINCIPAL AND INTEREST PAYMENT ON A $665,955, 30-YEAR FIXED-RATE CONVENTIONAL LOAN AT 5.49% IS $3,777.04. THE ANNUAL PERCENTAGE RATE (APR) IS 5.631% AND INCLUDES ONE BUYER-PAID DISCOUNT POINT. QUOTE INCLUDES MORTGAGE INSURANCE OF $83.24, TAXES OF $734.21, AND HOMEOWNERS INSURANCE OF $100.00, RESULTING IN A TOTAL MONTHLY PAYMENT OF $4,694.49.
Total Estimated Monthly Payments:
- Year 1: $4,420.00 (at 4.49%)
- Years 2–30: $4,694.49 (at 5.49%)
Act Now! Contact a sales associate to review which program works best for your situation and see full details on available homes.
Licensing / Disclaimers
RATES ARE CURRENT AS OF 12/10/25 AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. Loan promotions are available to qualified home buyers who sign purchase agreements on select homes with FCB Homes and close on or before 1/31/26, when financing is provided by Coast Home Loans (see licensing information below*). THE RATE ABOVE IS BASED ON THE APPLICATION OF 100% OF SELLER-PAID CLOSING COST ASSISTANCE APPLIED TO BOTH A PERMANENT INTEREST RATE BUYDOWN AND A TEMPORARY 1-0 BUYDOWN. THE TOTAL AMOUNT OF ASSISTANCE CANNOT EXCEED THE BUYER’S ACTUAL CLOSING COSTS. Owner-occupants only; subject to loan-to-value limits, maximum conventional loan amount, full documentation, and minimum FICO of 780. Other scenarios may affect rate and price.
*LICENSED BY THE CALIFORNIA DEPARTMENT OF REAL ESTATE, DRE #02050654.
NMLS #1689518. BLAKE EAGAL, NMLS #250496.